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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,179 | $77,816-83.1% | $123,552-89.3% | $64,173-79.5% |
| Participation rate | 26.9% | 74.7%-47.8pp | 82.3%-55.4pp | 69.6%-42.6pp |
| Annual return | -18.08% | 12.49%-30.6pp | 119.20%-137.3pp | 7.63%-25.7pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,238 | $5,240-19.1% | $6,426-34.1% | $3,470+22.1% |
| Admin fee / account holder | $1,296 | $5,519-76.5% | $9,285-86.0% | $4,887-73.5% |